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Third Party Liability Insurance

Peter Ellis

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Hello All,

I own an apartment in Kalkan which is one of four apartments  in a single building with a shared pool. Three of the owners are from the UK, the fourth is Turkish.

Two of the three UK owners insure buildings and contents locally in Turkey whilst my apartment is insured with Intasure but none of the  policies  provide cover for third party liability in respect of the common areas and swimming pool.

Intasure  have refused requests for the cover and say they would only provide it if all the owners were British and all insure with them.

There must be many many apartment owners in this situation and I have seen reference to the issue in old posts both on here and in other forums , but nothing recent.

Does anyone here know of Insurance Companies who can help with this?

Many thanks in anticipation,


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I think that this is something that the site management must arrange, the fee can be paid out of your site fees. An individual insurance company will not cover you for liability in public areas as this is something beyond your control. My advice would be to discuss it with the site manager or site management committee.

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Hi IbrahimAbi, thank you for your response.

Unfortunately, there is no formal management committee as such as this is a small development of only four apartments and one of them is owned by a Turkish gentlemen who has no interest in cooperating in such matters.

The three British owners liaise and make decisions regarding the property and our Property Manager works to our instructions.

Thanks again,










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The reason for my question was to see whether he would be likely to contribute to the insurance. If anything happens to his tenant he could be liable. I think the answer is probably not. Bir şey olmaz (common Turkish phrase for nothing is likely to happen).

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